公开(公告)号：US12198187B2

公开(公告)日：2025-01-14

申请号：US17696497

申请日：2022-03-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Deepak Bhatt ,  Tanmoy Bhowmik ,  Deepak Yadav

IPC: G06Q40/03 ,  G06N3/045 ,  G06N3/08 ,  G06N20/00

Abstract: Embodiments provide methods and systems for predicting merchant level health intelligence. Method performed by server system includes accessing, from a transaction database, payment transaction data of a merchant for a period of time. The payment transaction data includes information of payment transactions between a plurality of cardholders and the merchant for the period of time. The method includes aggregating merchant transaction attributes based, at least in part, on the payment transaction data and calculating a merchant membership vector based, at least in part, on the merchant transaction attributes by applying a soft-clustering model over the merchant transaction attributes. The method further includes predicting a commercial credit score and a merchant delinquency rate associated with the merchant based, at least in part, on the merchant membership vector. The commercial credit score and the merchant delinquency rate are predicted based, at least in part, on a multi-task learning model.

公开(公告)号：US20220301049A1

公开(公告)日：2022-09-22

申请号：US17696497

申请日：2022-03-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Deepak Bhatt ,  Tanmoy Bhowmik ,  Deepak Yadav

IPC: G06Q40/02 ,  G06N3/04 ,  G06N3/08

Abstract: Embodiments provide methods and systems for predicting merchant level health intelligence. Method performed by server system includes accessing, from a transaction database, payment transaction data of a merchant for a period of time. The payment transaction data includes information of payment transactions between a plurality of cardholders and the merchant for the period of time. The method includes aggregating merchant transaction attributes based, at least in part, on the payment transaction data and calculating a merchant membership vector based, at least in part, on the merchant transaction attributes by applying a soft-clustering model over the merchant transaction attributes. The method further includes predicting a commercial credit score and a merchant delinquency rate associated with the merchant based, at least in part, on the merchant membership vector. The commercial credit score and the merchant delinquency rate are predicted based, at least in part, on a multi-task learning model.

公开(公告)号：US20200058021A1

公开(公告)日：2020-02-20

申请号：US16105015

申请日：2018-08-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shreya Mittal ,  Deepak Yadav ,  Amit Gupta

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/36

Abstract: A method for conveying a one-time password using blockchain includes: receiving proposed transaction data from a merchant system including payment credentials, receiving account details, and a transaction amount; identifying user account data associated with the payment credentials including an account identifier; identifying a one-time password; transmitting the one-time password and account identifier to a third party system; receiving a data identification value from an external computing device; identifying a blockchain data value included in a blockchain including a password value based on the received data identification value; validating, the identified one-time password based on the password value; and initiating payment of the transaction amount from a first transaction account associated with the payment credentials to a second transaction account associated with the receiving account details upon validation of the identified one-time password.

公开(公告)号：US11257078B2

公开(公告)日：2022-02-22

申请号：US16105015

申请日：2018-08-20

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Shreya Mittal ,  Deepak Yadav ,  Amit Gupta

IPC: G06Q20/40 ,  G06Q30/02 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/36

Abstract: A method for conveying a one-time password using blockchain includes: receiving proposed transaction data from a merchant system including payment credentials, receiving account details, and a transaction amount; identifying user account data associated with the payment credentials including an account identifier; identifying a one-time password; transmitting the one-time password and account identifier to a third party system; receiving a data identification value from an external computing device; identifying a blockchain data value included in a blockchain including a password value based on the received data identification value; validating, the identified one-time password based on the password value; and initiating payment of the transaction amount from a first transaction account associated with the payment credentials to a second transaction account associated with the receiving account details upon validation of the identified one-time password.

公开(公告)号：US20240119457A1

公开(公告)日：2024-04-11

申请号：US18482733

申请日：2023-10-06

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Smriti Gupta ,  Adarsh Patankar ,  Akash Choudhary ,  Alekhya Bhatraju ,  Ammar Ahmad Khan ,  Amrita Kundu ,  Ankur Saraswat ,  Anubhav Gupta ,  Awanish Kumar ,  Ayush Agarwal ,  Brian M. McGuigan ,  Debasmita Das ,  Deepak Yadav ,  Diksha Shrivastava ,  Garima Arora ,  Gaurav Dhama ,  Gaurav Oberoi ,  Govind Vitthal Waghmare ,  Hardik Wadhwa ,  Jessica Peretta ,  Kanishk Goyal ,  Karthik Prasad ,  Lekhana Vusse ,  Maneet Singh ,  Niranjan Gulla ,  Nitish Kumar ,  Rajesh Kumar Ranjan ,  Ram Ganesh V ,  Rohit Bhattacharya ,  Rupesh Kumar Sankhala ,  Siddhartha Asthana ,  Soumyadeep Ghosh ,  Sourojit Bhaduri ,  Srijita Tiwari ,  Suhas Powar ,  Susan Skelsey

IPC: G06Q20/40

CPC classification number: G06Q20/4016

Abstract: Methods and server systems for computing fraud risk scores for various merchants associated with an acquirer described herein. The method performed by a server system includes accessing merchant-related transaction data including merchant-related transaction indicators associated with a merchant from a transaction database. Method includes generating a merchant-related transaction features based on the merchant-related indicators. Method includes generating via risk prediction models, for a payment transaction with the merchant, merchant health and compliance risk scores, merchant terminal risk scores, merchant chargeback risk scores, and merchant activity risk scores based on the merchant-related transaction features. Method includes facilitating transmission of a notification message to an acquirer server associated with the merchant. The notification message includes the merchant health and compliance risk scores, the merchant terminal risk scores, the merchant chargeback risk scores, and the merchant activity risk scores.

公开(公告)号：US11249977B2

公开(公告)日：2022-02-15

申请号：US15910169

申请日：2018-03-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manoneet Kohli ,  Rick Unnerstall ,  Ankur Arora ,  Shuvam Sengupta ,  Pulkit Gupta ,  Nishant Maheshwari ,  Shreya Mittal ,  Manish Kumar ,  Vikas Bishnoi ,  Shubham Bijawat ,  Jaipal Singh Kumawat ,  Navneet Kumar ,  Lakshmi Sushma Daggubati ,  Sri Chaitanya Sanaboina ,  Deepak Yadav

IPC: G06F16/23 ,  G06F16/21 ,  H04L9/32

Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.

公开(公告)号：US20190156372A1

公开(公告)日：2019-05-23

申请号：US16193593

申请日：2018-11-16

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Ajay Nehra ,  Deepak Yadav ,  Shreya Mittal

IPC: G06Q30/02

Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium for advertisement pricing. The system comprises a host server configured for performing steps of the method comprising: identifying a locality for displaying an advertisement; receiving traffic observation data from one or more traffic servers; generating vehicular traffic data based on the traffic observation data, the vehicular traffic data indicative of vehicular traffic activity in the locality; and performing an advertisement pricing process based on at least the vehicular traffic data to determine advertisement prices for displaying the advertisement in the locality.

公开(公告)号：US20180253464A1

公开(公告)日：2018-09-06

申请号：US15910169

申请日：2018-03-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Manoneet Kohli ,  Rick Unnerstall ,  Ankur Arora ,  Shuvam Sengupta ,  Pulkit Gupta ,  Nishant Maheshwari ,  Shreya Mittal ,  Manish Kumar ,  Vikas Bishnoi ,  Shubham Bijawat ,  Jaipal Singh Kumawat ,  Navneet Kumar ,  Lakshmi Sushma Daggubati ,  Sri Chaitanya Sanaboina ,  Deepak Yadav

IPC: G06F17/30

CPC classification number: G06F16/2365 ,  G06F16/219 ,  H04L9/3236 ,  H04L9/3247 ,  H04L2209/38

Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.